• Make sure that your policy can be renewed every year
  • Know that if you are disabled, yet able to work part time, you will still receive coverage
  • Choose a waiting period (elimination period) of three to six months, to keep the premium down, and then set aside a nest egg for that time.
  • Make sure you will be eligible to receive coverage until the age of 65, when your retirements will kick in.
  • Make sure that the policy will pay if you cannot perform the work in your field.